顯示具有 Benefits 標籤的文章。 顯示所有文章
顯示具有 Benefits 標籤的文章。 顯示所有文章

2012年11月1日 星期四

Collecting Unemployment Benefits

Collecting unemployment benefits or unemployment insurance basically is a system set up by the Federal government to provide individuals who have lost their jobs without their own liability with finances to enable them meet day-to-day basic living costs. The federal government provides these individuals with these funds till a time as they are able to secure a new job. However, there are few conditions one needs to meet so as to be entitled for collecting unemployment insurance. One relates to the number of years one has been under employment and how much he/she used to earn during that period. You should have been working for a minimum of twelve months in order to qualify. The other thing relates to the nature of your job termination. You need to have quit your work involuntarily. Reasons such as gross misconduct or voluntary quitting do not cut unless under a few circumstances which include sexual molestation at work or even deplorable working conditions. Others include being fired because one did not meet the desired standard(s), error in judgement or lack of the necessary skills.

If during the course of your employment you were involved in labor disputes, you will not be eligible for collecting unemployment insurance. Neither is if you quit as a result of poor health or opted for self-employment. In most cases, unemployment benefits in most states are limited to twenty-six weeks. An exclusion is however made when unemployment rates are high. This is where extended unemployment benefits come in and they vary from one state to another depending on the level of unemployment. The higher the level of unemployment means one is more likely to be offered extended unemployment benefits. Another thing one is advised to do is file for these benefits soon as you lose your job.

As opposed to a few years back when individuals collecting unemployment insurance while in school were forced to give up on their benefits, nowadays most states will allow you to. When collecting unemployment insurance, one is required to offer proof that he/she is in fact looking for a new job, in earnest. And when one secures a new job, he/she is advised to notify the unemployment office immediately. You will be accused of fraudulent behavior should you fail to do this where the relevant agency will contact you seeking clarification on this matter. They then use the feedback you give them to determine whether or not to penalize you with fees or clear your name.

Being unemployed can be the most difficult time of your life. That's why http://www.unemployment.info/ was created - to make things a little easier. Whether you need to file for unemployment, need help with your job search, or need information on unemployment benefits, Unemployment Info Center is your one-stop unemployment resource!


View the original article here


This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年10月21日 星期日

Extended Unemployment Benefits

Unemployment is a headache that has plagued many nations for years. Today the rates have shot up nonetheless. Some countries though, especially the developed nations, have a provision that seeks to provide the unemployed with funds for their daily expenditure. Through the US Federal State Employment Program, the United States government offers the unemployed this reprieve. Individuals who have lost their jobs are given regular unemployment benefits that run for a period of up to twenty-six weeks. If this period elapses without one having secured a new job and depending on the unemployment levels in his/her state, then an extension of these benefits is considered. This is what is called the extended unemployment benefits.

It follows that with extended unemployment benefits one must have lost their job without a responsibility of their own, save for a few instances such as an appalling work environment and cases of sexual molestation. Just a few examples... This is common in all states but other eligibility criteria may differ from one to the next.

When the unemployment rate exceeds six percent, then the unemployment level is said to be high. When one exhausts their unemployment benefits without having secured an employment opportunity within the twenty-six week window, the state normally will have notified you regarding extension of benefits which depends on the unemployment rate in your state. Regardless of this, you should seek clarification from your unemployment office a few weeks before you exhaust your regular benefits just to be sure and plan ahead. Extended unemployment benefits are of two sorts which are Emergency Unemployment Compensation (EUC) and Extended Benefits (EB).

Emergency Unemployment Compensation-is usually offered in states that have an unemployment rate of above six percent. Extended unemployment benefits in states that have unemployment rates of below six percent is limited to twenty weeks. With EUC, however, benefits stretching up to an additional thirty-three weeks are offered since unemployment rate is said to be high. This legislation came about as a result of the economic recession of 2007 that saw many people lose their jobs and was to go until December 2009 but was extended to 2013, January 2.

Extended Benefits-this form of extended unemployment benefits is an extension of EUC. It is normally considered in states that may have unemployment rates of above 6.5 percent and an extra thirteen weeks of benefits are given on top of the EUC. If the unemployment rate exceeds 8 percent, an extra twenty weeks of benefits, on top of the EUC, will be given.

The weekly updates to the unemployment office are still required of you even when receiving extended unemployment benefits, so keep looking for that job relentlessly and getting proof of this to continue receiving the benefits.

Being unemployed can be the most difficult time of your life. That's why http://unemployment.info/ was created - to make things a little easier. Whether you need to file for unemployment, need help with your job search, or need information on unemployment benefits, Unemployment Info Center is your one-stop unemployment resource!


View the original article here


This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年9月11日 星期二

Jumbo Certificates of Deposit Rates - Benefits of High CD Rates For Maximum Returns


Jumbo certificates of deposits are extremely useful if you who want MAXIMUM RETURNS by investing a considerable sum of money into a CD account. This kind of account is particularly useful if you are looking for HIGH RETURNS i.e. some millions of dollars with low risks. Jumbo Certificates of deposit rates vary widely for investments based on the amount that is invested as well as the time frame for which it is invested

The jumbo cd rates are generally compounded and deposited to the investors account on a monthly basis. Some financial companies deposit the rates on a quarterly basis. The most effective way to get more cd rates is to compound the interest more frequently. If you compound the interest more frequently, you will be paid more at the end which ultimately results in high returns for your investments.

Promising Benefits Of Jumbo CD Accounts


It would possibly become most easiest way for you to earn good interest and get much higher cd rates for your investment.
The Jumbo certificate of deposit rates are guaranteed for your investments for every dollar more than just $ 1,00,000. This minimum balance requirement is considerably lower when compared to other high risk investments.
These deposits are insured by FDIC and hence extremely safe.
These certificates are negotiable. Banks are willing to customize the plans so as they don't lose any valuable customer like you.

Your Next Step:

If you have huge amount of money and looking for a safe investment option and get good returns for the same, then follow the steps.


Find the list of banks that offers Jumbo Certificates of Deposit Accounts.
Get the details of the rates offered by the banks.
Make a comparison of the same with other banks.
Spot the best interest rates offered by the bank and invest your money.
The details and further steps with case studies are available in the websites.




Get Started by COMPARING and FINDING >> jumbo CD rates > http://www.bestsavingsaccountrates.net/high-interest-cd-rates Balajee Kannan





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年8月25日 星期六

Benefits of Having Certificates of Deposit Investments


The economy is up and down. Stocks are up and down. Heck, life is up and down. But, when it comes to investments, there is one vehicle above all others that provides safety and return. Those are just two of the benefits of having certificates of deposit investments.

Up until the FDIC was created in 1933, you really had to have a ton of trust in your bank if you were going to open of a certificate of deposit. Similarly to today, much of the trust had been eroded, and the FDIC was created to guarantee the deposits that the bank held. Up until last year CDs were guaranteed by the federal government up to $100,000. You can actually have far more insured if things are structured properly, but that is an article for another day. However, this last year, Congress passed, and President Bush signed into law a temporary increase to $250,000 that is set to expire 12/31/2009. So the first benefit, unlike your investments in the stock market, mutual funds, ETFs, etc., your principal is backed by the full faith and credit of the US Government.

Another benefit is a return on your investment. Depending on the term of your certificate of deposit, the bank pays you interest. The interest is commonly expressed as the APY (annual percentage yield). If you invest $100,000 and the bank is paying you 3.00% APY for a 1-year CD it is easy to calculate your earnings. Another hidden benefit of CDs, it isn't tough to figure out what you will earn. You simply take the $100,000 times 0.03, and you'll earn $3000. There are lots of places on the internet that have on-line calculators as well. If you open up a 5-year CD, you basically multiply the 1-year earnings times five. Another hidden benefit is the power of compounding. With the above example you would actually earn closer to $16,000.

So far, we have indentified four benefits of having certificates of deposit, safety, return, ease, and compounding. Other benefits are sleeping soundly at night, known income, and flexibility of terms. Common CD terms range from 90-Days to 5-years. Some banks offer longer term CDs of 7-years and 10-years and some offer really short-term CDs of 30-Days.

The last benefit is creativity. Because of their popularity, many banks and brokers have come up with creative CDs, such as step-ups. A step-up CD is where the rate changes at different set time periods. For instance a 16-month step-up CD may change its rate every 4-months. Usually, the start rate is a little lower than the average rates for the given term, but the average yield over all is higher. For instance it might start at 2.50% today. And then bump up .50% each increment. You would end up with a 4.00%. Averaging the rates would yield you 3.25%.

Another type of CD is the bump-up. This certificate of deposit gives you the option of bumping the rate a certain number of times during the term if rates rise. Again, the start rate is usually lower than fixed rates for the same term. You have to be careful with these though. I'm seen banks do things like offering the bump-up CD on an odd-term like 33-months and then never adjusting the 33-month CD rate or not offering the term until the original set expires.

Finally, some banks are creating variable rate CDs where the rate is tied to various stock indexes. This allows investors to have their funds safe and insured, but earn higher interest if the indexes rise in their favor. These tend to be fairly complex. With the stock market at current lows, this could be an attractive route, but read all of the details very carefully. If you think of any other benefits of having certificates of deposit, please leave a comment.




For more information visit our Best Bank CD Rates site or a Investing in CDs Wisely guide.





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年7月5日 星期四

What Are CD's and Their Benefits?


Certificates of deposit, generally known as CDs, are monetary items that function slightly like a personal savings account yet using a much distinct timetable. CDs need an initial commitment in advance in a lump-sum down payment. The deposit is subsequently kept within the CD for a particular time frame. Throughout the period, the owner on the CD cannot take the cash out or add towards the level of cash which is in it. The cash remains within the CD through the entire term of the arranged time interval.

The quantity of interest the CD creates is generally determined by how lengthy the time interval is. The lengthier the time interval is, the greater the interest rate will usually be. Typically, you will find tiers of interest rates that need particular month or calendar year terms to make a greater interest amount. That will imply a 3 month period CD and a 6 month period CD may have the exact same interest rate however a full year CD may have a substantially greater one. The time interval of the CD might be as lengthy as 5 or even 10 years or perhaps as brief as one month or so.

A single draw of obtaining a CD is the cash is secure and will certainly be secured to the CD investor. They do not occur with the similar kinds of personal hazards that stock ventures usually do. Having CDs, the interest amount can do just one of two things to the consumer on the CD. The interest amount could be paid towards the investor the moment it's earned. The purchaser may then either take funds out from the CD or could move the principle funds into a brand new CD for a fresh time interval. The interest amount can even be rolled into your CD together using the theory so the interest rate will become enhanced.

An additional benefit of acquiring a CD is how the interest rates available in this kind of financial solution is usually greater compared to if the exact same quantity of cash was placed right into a bank account for that exact same time frame. To obtain a certificate of deposit, investors could go to a financial institution or a credit union. To obtain the greatest interest rates, look around and be prepared to do this every moment the CD matures when the cash is accessible so that you can make the most of the very best rates.




Learn more about CD Accounts to make the highest rates of interest.

Also, find out everything you need to know about small-business checking accounts [http://smallbusinesscheckingaccounts.net/] for your business needs.





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年5月31日 星期四

Jumbo Certificates of Deposit Rates - Benefits of High CD Rates For Maximum Returns


Jumbo certificates of deposits are extremely useful if you who want MAXIMUM RETURNS by investing a considerable sum of money into a CD account. This kind of account is particularly useful if you are looking for HIGH RETURNS i.e. some millions of dollars with low risks. Jumbo Certificates of deposit rates vary widely for investments based on the amount that is invested as well as the time frame for which it is invested

The jumbo cd rates are generally compounded and deposited to the investors account on a monthly basis. Some financial companies deposit the rates on a quarterly basis. The most effective way to get more cd rates is to compound the interest more frequently. If you compound the interest more frequently, you will be paid more at the end which ultimately results in high returns for your investments.

Promising Benefits Of Jumbo CD Accounts


It would possibly become most easiest way for you to earn good interest and get much higher cd rates for your investment.
The Jumbo certificate of deposit rates are guaranteed for your investments for every dollar more than just $ 1,00,000. This minimum balance requirement is considerably lower when compared to other high risk investments.
These deposits are insured by FDIC and hence extremely safe.
These certificates are negotiable. Banks are willing to customize the plans so as they don't lose any valuable customer like you.

Your Next Step:

If you have huge amount of money and looking for a safe investment option and get good returns for the same, then follow the steps.


Find the list of banks that offers Jumbo Certificates of Deposit Accounts.
Get the details of the rates offered by the banks.
Make a comparison of the same with other banks.
Spot the best interest rates offered by the bank and invest your money.
The details and further steps with case studies are available in the websites.




Get Started by COMPARING and FINDING >> jumbo CD rates > http://www.bestsavingsaccountrates.net/high-interest-cd-rates Balajee Kannan





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2012年5月18日 星期五

Benefits of Having Certificates of Deposit Investments


The economy is up and down. Stocks are up and down. Heck, life is up and down. But, when it comes to investments, there is one vehicle above all others that provides safety and return. Those are just two of the benefits of having certificates of deposit investments.

Up until the FDIC was created in 1933, you really had to have a ton of trust in your bank if you were going to open of a certificate of deposit. Similarly to today, much of the trust had been eroded, and the FDIC was created to guarantee the deposits that the bank held. Up until last year CDs were guaranteed by the federal government up to $100,000. You can actually have far more insured if things are structured properly, but that is an article for another day. However, this last year, Congress passed, and President Bush signed into law a temporary increase to $250,000 that is set to expire 12/31/2009. So the first benefit, unlike your investments in the stock market, mutual funds, ETFs, etc., your principal is backed by the full faith and credit of the US Government.

Another benefit is a return on your investment. Depending on the term of your certificate of deposit, the bank pays you interest. The interest is commonly expressed as the APY (annual percentage yield). If you invest $100,000 and the bank is paying you 3.00% APY for a 1-year CD it is easy to calculate your earnings. Another hidden benefit of CDs, it isn't tough to figure out what you will earn. You simply take the $100,000 times 0.03, and you'll earn $3000. There are lots of places on the internet that have on-line calculators as well. If you open up a 5-year CD, you basically multiply the 1-year earnings times five. Another hidden benefit is the power of compounding. With the above example you would actually earn closer to $16,000.

So far, we have indentified four benefits of having certificates of deposit, safety, return, ease, and compounding. Other benefits are sleeping soundly at night, known income, and flexibility of terms. Common CD terms range from 90-Days to 5-years. Some banks offer longer term CDs of 7-years and 10-years and some offer really short-term CDs of 30-Days.

The last benefit is creativity. Because of their popularity, many banks and brokers have come up with creative CDs, such as step-ups. A step-up CD is where the rate changes at different set time periods. For instance a 16-month step-up CD may change its rate every 4-months. Usually, the start rate is a little lower than the average rates for the given term, but the average yield over all is higher. For instance it might start at 2.50% today. And then bump up .50% each increment. You would end up with a 4.00%. Averaging the rates would yield you 3.25%.

Another type of CD is the bump-up. This certificate of deposit gives you the option of bumping the rate a certain number of times during the term if rates rise. Again, the start rate is usually lower than fixed rates for the same term. You have to be careful with these though. I'm seen banks do things like offering the bump-up CD on an odd-term like 33-months and then never adjusting the 33-month CD rate or not offering the term until the original set expires.

Finally, some banks are creating variable rate CDs where the rate is tied to various stock indexes. This allows investors to have their funds safe and insured, but earn higher interest if the indexes rise in their favor. These tend to be fairly complex. With the stock market at current lows, this could be an attractive route, but read all of the details very carefully. If you think of any other benefits of having certificates of deposit, please leave a comment.




For more information visit our Best Bank CD Rates site or a Investing in CDs Wisely guide.





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2011年12月19日 星期一

Jumbo Certificates of Deposit Rates - Benefits of High CD Rates For Maximum Returns


Jumbo certificates of deposits are extremely useful if you who want MAXIMUM RETURNS by investing a considerable sum of money into a CD account. This kind of account is particularly useful if you are looking for HIGH RETURNS i.e. some millions of dollars with low risks. Jumbo Certificates of deposit rates vary widely for investments based on the amount that is invested as well as the time frame for which it is invested

The jumbo cd rates are generally compounded and deposited to the investors account on a monthly basis. Some financial companies deposit the rates on a quarterly basis. The most effective way to get more cd rates is to compound the interest more frequently. If you compound the interest more frequently, you will be paid more at the end which ultimately results in high returns for your investments.

Promising Benefits Of Jumbo CD Accounts


It would possibly become most easiest way for you to earn good interest and get much higher cd rates for your investment.
The Jumbo certificate of deposit rates are guaranteed for your investments for every dollar more than just $ 1,00,000. This minimum balance requirement is considerably lower when compared to other high risk investments.
These deposits are insured by FDIC and hence extremely safe.
These certificates are negotiable. Banks are willing to customize the plans so as they don't lose any valuable customer like you.

Your Next Step:

If you have huge amount of money and looking for a safe investment option and get good returns for the same, then follow the steps.


Find the list of banks that offers Jumbo Certificates of Deposit Accounts.
Get the details of the rates offered by the banks.
Make a comparison of the same with other banks.
Spot the best interest rates offered by the bank and invest your money.
The details and further steps with case studies are available in the websites.




Get Started by COMPARING and FINDING >> jumbo CD rates > http://www.bestsavingsaccountrates.net/high-interest-cd-rates Balajee Kannan





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.

2011年12月7日 星期三

Benefits of Having Certificates of Deposit Investments


The economy is up and down. Stocks are up and down. Heck, life is up and down. But, when it comes to investments, there is one vehicle above all others that provides safety and return. Those are just two of the benefits of having certificates of deposit investments.

Up until the FDIC was created in 1933, you really had to have a ton of trust in your bank if you were going to open of a certificate of deposit. Similarly to today, much of the trust had been eroded, and the FDIC was created to guarantee the deposits that the bank held. Up until last year CDs were guaranteed by the federal government up to $100,000. You can actually have far more insured if things are structured properly, but that is an article for another day. However, this last year, Congress passed, and President Bush signed into law a temporary increase to $250,000 that is set to expire 12/31/2009. So the first benefit, unlike your investments in the stock market, mutual funds, ETFs, etc., your principal is backed by the full faith and credit of the US Government.

Another benefit is a return on your investment. Depending on the term of your certificate of deposit, the bank pays you interest. The interest is commonly expressed as the APY (annual percentage yield). If you invest $100,000 and the bank is paying you 3.00% APY for a 1-year CD it is easy to calculate your earnings. Another hidden benefit of CDs, it isn't tough to figure out what you will earn. You simply take the $100,000 times 0.03, and you'll earn $3000. There are lots of places on the internet that have on-line calculators as well. If you open up a 5-year CD, you basically multiply the 1-year earnings times five. Another hidden benefit is the power of compounding. With the above example you would actually earn closer to $16,000.

So far, we have indentified four benefits of having certificates of deposit, safety, return, ease, and compounding. Other benefits are sleeping soundly at night, known income, and flexibility of terms. Common CD terms range from 90-Days to 5-years. Some banks offer longer term CDs of 7-years and 10-years and some offer really short-term CDs of 30-Days.

The last benefit is creativity. Because of their popularity, many banks and brokers have come up with creative CDs, such as step-ups. A step-up CD is where the rate changes at different set time periods. For instance a 16-month step-up CD may change its rate every 4-months. Usually, the start rate is a little lower than the average rates for the given term, but the average yield over all is higher. For instance it might start at 2.50% today. And then bump up .50% each increment. You would end up with a 4.00%. Averaging the rates would yield you 3.25%.

Another type of CD is the bump-up. This certificate of deposit gives you the option of bumping the rate a certain number of times during the term if rates rise. Again, the start rate is usually lower than fixed rates for the same term. You have to be careful with these though. I'm seen banks do things like offering the bump-up CD on an odd-term like 33-months and then never adjusting the 33-month CD rate or not offering the term until the original set expires.

Finally, some banks are creating variable rate CDs where the rate is tied to various stock indexes. This allows investors to have their funds safe and insured, but earn higher interest if the indexes rise in their favor. These tend to be fairly complex. With the stock market at current lows, this could be an attractive route, but read all of the details very carefully. If you think of any other benefits of having certificates of deposit, please leave a comment.




For more information visit our Best Bank CD Rates site or a Investing in CDs Wisely guide.





This post was made using the Auto Blogging Software from WebMagnates.org This line will not appear when posts are made after activating the software to full version.